Denise Appleby

Denise Appleby

Denise Appleby is founder and owner of Appleby Retirement Consulting,which provides technical consultation, content, coaching, writing, editing and training services on related topics.


With more than 14 years of experience in the IRA and defined-contribution plans fields, Appleby has held several senior retirement-plan related positions with Pershing LLC, which included vice president of plans products and services, retirement plans manager, trainer, training manager, compliance consultant, technical help desk manager and writer.

Appleby's wealth of knowledge in retirement plans lead to her making appearances on CNBC's Business News and being quoted in The Wall Street Journal, where she gave her insights on retirement planning. Her expertise and knack for explaining complex retirement plans rules and regulations in a manner which makes them easily understood, has created a demand for her to speak at various conferences and seminars around the country.


Appleby has extensive experience in the field of training the staff and financial advisors of many broker-dealers on retirement plans and related topics.

Appleby has written over 200 articles for several newsletters, including the Pershing LLC's SixtySomething, Pershing LLC's The Pershing Press, Ed Slott's IRA Advisor and Investopedia. She is also an editor, providing technical editing services for books, newsletters, articles and other material on retirement plans and retirement planning. Books edited by Appleby include "Quick Reference to IRAs" by Gary lesser and Don Levy (2003); "SIMPLE, SEP and SARSEP Answer Book" by Gary Lesser and Susan Diehl, "Parlay Your IRA Into a Family Fortune" by Ed Slott.

During her employment with Pershing, Appleby served as a member and firm representative of the Security Industry Association's (SIA) Retirement and Savings Committee. She has also spoken at the SIA Savings & Retirement Symposium, which is attended by financial services professionals from a variety of fields, including marketing, sales, legal, operations, and strategic planning.

Appleby has received several recognition awards for outstanding job-related performances. These include Pershing's leadership award for significant contribution to the development of a system rules engine as well as policies and procedures for dealing with the changes effected by new tax laws. She was also a recipient of the Outstanding Representative Award from the New York Metropolitan Society of Consumer Affairs Professionals

Appleby, a Rutgers State University graduate, holds the following professional certifications:



  • Accredited Pension Administrator (APA), National Institute of Pension Administrators, Chicago IL

  • Certified IRA Services Professional (CISP), Institute Of Certified Bankers, Washington DC

  • Chartered Retirement Plans Specialist (CRPS), College of Financial Planning, Denver CO

  • Certified Retirement Counselor (CRC), International Foundation for Retirement Education (InFRE)

  • Certified Retirement Services Professional (CRSP), Institute Of Certified Bankers, Washington DC

  • Showing 1-15 of 353 items
  • 1
  • 2
  • 3
  • ...
  • 24
  • >>
  1. Moving Retirement Plan Assets: How To Avoid Mistakes
    Retirement

    Moving Retirement Plan Assets: How To Avoid Mistakes

    Sometimes things go wrong in a simple transfer of funds. Make sure you know how to avoid penalties.
  2. I have a small business (LLC), which I operate part-time. ...
    Entrepreneurship

    I have a small business (LLC), which I operate part-time. ...

    As long as you have no ownership in the company for which you work full-time and the only relationship you have with the company is as an employee, you can establish an independent 401(k) for your limited ...
  3. Are the distribution rules for 401(k) and 403(b) plans the ...
    Retirement

    Are the distribution rules for 401(k) and 403(b) plans the ...

    The distributions are different for IRAs, qualified plans and 403(b) plans.For IRAs, qualified plans (such as 401(k), money purchase and profit sharing plan), and 403(b) plans, distributions that occur ...
  4. Can a simplified employee pension (SEP) IRA be converted ...
    Retirement

    Can a simplified employee pension (SEP) IRA be converted ...

    Yes. An SEP IRA can be converted to a Roth IRA.As you may know, an SEP IRA is just a Traditional IRA that receives employer SEP contributions. Once the SEP contributions are made to the account, they immediately ...
  5. If a company undergoes an acquisition can an employee withdraw ...
    Retirement

    If a company undergoes an acquisition can an employee withdraw ...

    Although the participant may be eligible to withdraw the funds if a plan is terminated as a result of an acquisition or other similar transaction, this does not mean that the 10% penalty will be waived. ...
  6. My spouse has little/no income. Can I contribute to my spouse's ...
    Retirement

    My spouse has little/no income. Can I contribute to my spouse's ...

    Yes. You may make a Traditional IRA contribution to your spouse's Traditional IRA because you have eligible compensation.There is no income limit for contributing to a Traditional IRA. However, although ...
  7. Can 529 plans be used to transfer wealth to other family ...
    Retirement

    Can 529 plans be used to transfer wealth to other family ...

    Yes, the 529 plan (also known as a "qualified tuition program") allows you to distribute and roll over funds from one 529 plan to another 529 plan for the benefit of a member of the original beneficiary's ...
  8. I am in my mid thirties and have nothing invested for retirement. ...
    Retirement

    I am in my mid thirties and have nothing invested for retirement. ...

    It is never too late to start saving for retirement. Even starting at age 35 means you will have more than 30 years to save.The type of IRA you choose is usually determined by your individual circumstances ...
  9. What is the difference between a Traditional and a Roth ...
    Retirement

    What is the difference between a Traditional and a Roth ...

    The main difference between a Traditional and a Roth IRA is the way contributions are deducted for tax breaks. Whereas contributions to Traditional IRAs are either deductible or non-deductible, Roth IRA ...
  10. Are there special benefits for U.S. armed forces personnel?
    Retirement

    Are there special benefits for U.S. armed forces personnel?

    If you are a member of the military, you may be afforded special tax benefits that might not be available to other taxpayers. These include the following:Automatic ExtensionIf you are serving in a combat ...
  11. Does the five-year rule apply if a non-spouse inherits an ...
    Retirement

    Does the five-year rule apply if a non-spouse inherits an ...

    The five-year rule applies only when the IRA owner dies before the required beginning date (RBD). If the IRA owner dies after the RBD and did not satisfy the required minimum distribution (RMD) for the ...
  12. I work for two companies. How much can I contribute to each ...
    Retirement

    I work for two companies. How much can I contribute to each ...

    It depends.If you work for two companies that are unrelated and unaffiliated, you can make salary deferral contributions of up to $20,500 between the two plans with no more than $13,000 going to one of ...
  13. Tips On How To Use IRAs To Boost Retirement Savings
    Retirement

    Tips On How To Use IRAs To Boost Retirement Savings

    According to the Trustees of the Social Security Fund, the fund will be depleted by 2037. Are you ready?
  14. Business Owners: Rules For Qualified Retirement Plans
    Entrepreneurship

    Business Owners: Rules For Qualified Retirement Plans

    Business owners need to take note of how they handle qualified-plan distributions to former employees.
  15. Keeping Track Of Retirement Plan Assets
    Retirement

    Keeping Track Of Retirement Plan Assets

    Maintain records of your pension benefits or risk losing them.
  • Showing 1-15 of 353 items
  • 1
  • 2
  • 3
  • ...
  • 24
  • >>